Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.56% | +0.19 | 1.36% |
| Return on Equity (%) | ▲ | 13.80% | +1.08 | 12.72% |
| Net Interest Margin (%) | ▲ | 4.66% | +0.17 | 4.49% |
| Efficiency Ratio (%) | ▲ | 56.13% | -3.35 | 59.48% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.11 | $1 |
| Cost of Funds (%) | ▲ | 1.37% | -0.16 | 1.53% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $130 | +6.43 | $124 |
| Gross Loans ($M) | ▲ | $98 | +7.31 | $90 |
| Loan Growth YoY (%) | ▲ | 84.48% | +2.92 | 81.56% |
| Total Deposits ($M) | ▲ | $114 | +4.79 | $109 |
| Shareholders Equity ($M) | ▲ | $15 | +1.61 | $13 |
| Tang. Book Value ($M) | ▲ | $15 | +1.61 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 84.48% | +2.92 | 81.56% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.28% | -0.03 | 0.31% |
| Allowance / Loans (%) | — | 1.31% | -0.03% | 1.34% |
| Net Charge-Off Ratio (%) | ▲ | 0.32% | -0.05 | 0.37% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▄▁▃▅▆▅█ | Net Interest Margin (%) | 4.46% | 4.54% | 4.43% | 4.49% | 4.57% | 4.59% | 4.57% | 4.66% |
| ▁▁▄▅▇▆▇█ | Return on Assets (%) | 1.05% | 1.11% | 1.25% | 1.36% | 1.45% | 1.42% | 1.45% | 1.56% |
| █▇▅▄▃▃▁▁ | Efficiency Ratio (%) | 64.2% | 62.4% | 60.7% | 59.5% | 58.2% | 58.9% | 56.7% | 56.1% |
| ██▅▄▆▆▂▁ | Cost of Funds (%) | 1.70% | 1.69% | 1.56% | 1.53% | 1.60% | 1.60% | 1.44% | 1.37% |
| █▁▆▅▁▁▅▄ | NPA / Assets (%) | 0.52% | 0.04% | 0.35% | 0.31% | 0.04% | 0.04% | 0.29% | 0.28% |
| █▁▆▅▁▁▅▄ | Net Charge-Off Ratio (%) | 0.64% | 0.00% | 0.40% | 0.37% | 0.00% | 0.00% | 0.34% | 0.32% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $13 | $12 | $13 | $13 | $14 | $14 | $15 | $15 |
| ▄▃▃▁▂▄▇█ | Gross Loans ($M) | $93 | $92 | $92 | $90 | $91 | $93 | $97 | $98 |
| ▁▂▄▅▇▇██ | Total Deposits ($M) | $103 | $104 | $108 | $109 | $113 | $113 | $116 | $114 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 4% |
| Agricultural | 4% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 4% |